TEMECULA VALLEY BANCORP INC

As of March 31, 2009, TEMECULA VALLEY BANCORP INC carries a market capitalization of 4.52M, placing it among publicly traded companies globally. Its enterprise value stands at 123.38M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

As of March 31, 2009, TEMECULA VALLEY BANCORP INC has 10.04M shares outstanding.

These figures are as of March 31, 2009. The price-to-sales ratio is 0.13, and the price-to-book ratio stands at 0.43.

These figures are as of March 31, 2009. The EV/Sales ratio of 3.45 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. These enterprise value multiples are built on an enterprise value of 123.38M versus a market cap of 4.52M, with the gap driven by net debt and cash on the balance sheet.

These figures are as of March 31, 2009.

Over the twelve months ended March 31, 2009, TEMECULA VALLEY BANCORP INC posted a negative return on equity (ROE) of -163.57, meaning shareholder capital produced losses rather than profits. Return on assets (ROA) is negative at -6.74, reflecting losses generated across the asset base. The company generates approximately 116,909.98 in revenue per employee across its workforce of 305.50, a quick read on workforce productivity versus industry peers.

Over the twelve months ended March 31, 2009, TEMECULA VALLEY BANCORP INC recorded an income tax benefit of -14.57M rather than an expense, typically from losses, carryforwards, or the release of a tax provision. The company reported a pretax loss of -111.28M and -96.71M in bottom-line net income, so the effective tax rate carries little signal until profitability returns.

Over the twelve months ended March 31, 2009, TEMECULA VALLEY BANCORP INC generated 35.72M in revenue and converted that into -96.71M in net income, yielding earnings per share of -9.63.

As of March 31, 2009, TEMECULA VALLEY BANCORP INC holds 19.56M in cash and equivalents against 138.42M in total debt, resulting in a net debt position of 118.86M.

TEMECULA VALLEY BANCORP INC produced -24.30M in operating cash flow over the twelve months ended March 31, 2009. After subtracting -22,000.00 in capital expenditures, free cash flow totaled -24.32M - equivalent to -2.42 per share.

These figures cover the twelve months ended March 31, 2009.

Over the twelve months ended March 31, 2009, TEMECULA VALLEY BANCORP INC paid dividends of 0.12 per share. The dividend payout ratio of -1.25 is negative because earnings are negative, so the dividend is being paid out of something other than profits, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield is negative at -538.35: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield is negative at -3,798.19, meaning TEMECULA VALLEY BANCORP INC raised more capital through share issuance and new debt than it returned via dividends and buybacks.

TEMECULA VALLEY BANCORP INC's most recent stock split took place on December 24, 2003 with a 1:2 split ratio.